AI, low-code/no-code (LCNC) platforms, and distributed ledger technology (DLT), as well as changing customer behavior and new and worsening risks like climate change and cybercrimes, are driving great interest in the opportunity to invest in emerging technologies. It’s critical that those technology decisions generate a return by improving customer experience, business operations, or financial performance. Insurance business technology decision-makers must answer two fundamental and equally important questions: “What technologies do I need to care about today?” and “What can wait?” This report guides specific actions around insurance technology investment planning through 2023.